Customer Loyalty...a thing of the past or still going strong? - 02/23/07 03:23 PM
Okay, I am really going to try not to be pessimistic in this post, even if I may be feeling that way. I really do live by the basic principle that what you put out, you get back. Put out kindness, decency, fairness, etc., and that is what will be returned to you. Sort of like the Law of Attraction, right? So, if I treat potential or existing customers with those qualities, plus excellent service, communication, ethics and kick-ass rates, they will not only flock to me, but send all the referrals they can.
 That is how I have always tried … (3 comments)

Rate Update...Rates Fall as Inflation Rises (Yes, as inflation rises!) - 02/23/07 02:05 PM
Every week, I send out an email to all local Realtors, titled, "Rate Knowledge going into the Weekend." It includes commentary on the current state of the market and mortgage interest rates and a list of rates and programs. I will also include that information here each Thursday, for anyone interested. It's a concise way of keeping up on rates and also can be helpful when you are working with clients over the weekend and they want more information on where rates are at and where they may be headed. Many local Realtors print them out and use them on the weekend and … (0 comments)

Rate Update - 02/15/07 04:33 PM
Every Thursday, I send out an email to all local Realtors, titled, "Rate Knowledge going into the Weekend." It includes commentary on the current state of the market and mortgage interest rates and a list of rates and programs. I will also include that information here each Thursday, for anyone interested. It's a concise way of keeping up on rates and also can be helpful when you are working with clients over the weekend and they want more information on where rates are at and where they may be headed. Many local Realtors print them out and use them on the weekend and … (0 comments)

Tips for Improving your Credit Score - 02/07/07 04:32 PM
In my monthly newsletter that I send to my clients, my featured article this month is on how to improve your credit score. This is an important issue to me, because I don't feel that there is enough information and education out there when it comes to understanding your credit and what you need to do to keep your score as high as possible.  Besides the tips below, I also work with a credit company that provides me with some great tools, such as a Credit Simulator program; I can plug in possible changes to your credit, such as lowering the balance … (46 comments)

What the Feds decision means for you - 02/01/07 07:46 PM
For the first time this year, the Federal Open Market Committee met and decided to keep the Federal Funds rate at 5.25%. The Prime Rate is fixed at 3% over whatever the Federal Funds rate is, so it remains at 8.25%.
Many borrowers track the movement of the Prime Rate because it is the rate that Home equity lines of credit (HELOCS) are tied to. Borrowers could be "AT PRIME," meaning they qualify for a rate equal with whatever the current Prime Rate is or at a margin above or below the Prime Rate. A borrowers margin will likely stay fixed, but … (23 comments)

 

Julia Rogers Segovia

Capitola, CA

More about me…

Wells Fargo Home Mortgage

Address: 2265 41st Avenue, Capitola, CA, 95010

Office Phone: (831) 465-4003

Cell Phone: (831) 419-1195

Email Me



Links

Archives

RSS 2.0 Feed for this blog